u/2xSkat

https://preview.redd.it/ol8vugoet1uh1.png?width=826&format=png&auto=webp&s=effc24dc7da9d2616bbff4a25ee278faa28995e7

i know Hussain is being sarcastic here

My current permanent address is of a home i sold

Temporary is of current rental home

Issue:

How to change permanent address

And my mother also has permanent address from the home i sold

So how to change her address as well ?

She has no utility in her name

I have no utility in my name

I lost my full time contract

So i am moving to low risk.

Thankfully i sold all gold before the recent downfall.

GBP is going down

And i am getting 11.5% on Mashreq islamic savings.

Should i move it to PKR ?

Time horizon 1 year

Purpose of Immigration: Long-term relocation for my family. Open to work or study as the entry point, but the end goal is permanent residency, not a temporary stint.

Destination Country: Still deciding. Seriously looking at Germany (Blue Card or masters route), Spain (masters route), and Saudi (work visa). Australia is ruled out, education cost is too high for me. Saudi is viable for work but I know they don't offer PR, so that's more of a fallback.

Educational Background and Work Experience: CGPA 2.7. 5+ years as a software engineer, Currently earning good money, remote.

Family Situation: Moving with my wife, who also works remotely and can qualify for her own student or work visa rather than coming purely as a dependent. Also need to bring my elderly mother, who depends on me. She cannot pass any language test due to health and memory issues, and I cannot leave her behind for more than a year.

Financial Status: Stable income from current job, can cover living costs and moderate visa/study expenses. Cannot afford Australia-level education costs (tuition plus living costs for a family).

Long-term Goals: Settle permanently, ideally somewhere my wife and I can both work, and where there's a real path to bring my mother, not just an exceptional-case, years-later possibility.

Specific Questions:

Has anyone actually managed to bring an elderly parent along within a year or two of moving, anywhere, Europe or Gulf? Every country I've researched treats parent visas as exceptional and slow, and I want to know if that's really true everywhere or if I'm missing a country/program that handles this better.

Between Germany and Spain, which is more realistic given a 2.7 CGPA and a family of three to support?

Is there any route I haven't considered that fits: decent job, working spouse, elderly dependent parent, real PR path?

Local milk shops have milk for PKR 240 to PKR 280.
and those arent 100% authentic. They do mix water or they mix cow + buffalo milk.

anyways so if someone wanted pure milk, whats the real cost of that ?

and the local brands like Accha milk, Emano milk etc are good ?

https://preview.redd.it/4gr1uyidfimh1.png?width=1080&format=png&auto=webp&s=ede92de204b7d28950213555fcd4e7b1bc61ca0c

what am i missing here?
someone said PSX outperformed Gold, but if i see in PKR terms Gold seems to have outperformed PSX

if indeed PSX has outperformed gold, then can someone explain why this graph is like this?

also KSE100 already included dividends i assume.

Link of the conversation that is confusing me:
https://www.reddit.com/r/FIREPakistan/comments/1w088w3/comment/p6g8ep3/

Subscribe to "the batch" newsletter by Andrew Ng / deepLearning AI

Here is a summary of The Batch newsletter from DeepLearning.AI (August 28, 2026):

🧠 Core Insight: Software Fundamentals Still Matter in the Age of AI

Andrew Ng argues that while coding agents can write code, software engineering fundamentals are more critical than ever for steering these agents. Developers who "vibe code" without understanding tradeoffs often create systems with poor latency, reliability, or cost efficiency.

Key Skills for AI Engineers:

• Full-Stack Development: Understanding UI, APIs, caching, and state management to guide agents across the entire stack.
• Data Management: Choosing the right storage (SQL, NoSQL, etc.) and managing data lifecycle, as AI systems depend heavily on clean, well-structured data context.
• System Architecture: Designing scalable systems (monolith vs. microservices) based on specific project needs (cost, latency, user load).
• Security & Reliability: Implementing "shift left" security, testing strategies, and graceful degradation.
• Production Operations: Managing CI/CD, observability, scaling, and technical debt.

---

🚀 Model & Tech News

1. Z.ai Releases GLM-5.3

• Performance: Ties open-weights leader Kimi K3 on intelligence benchmarks; achieves best-in-class scores on cybersecurity benchmarks (CyberGym).
• Method: Fine-tuned from GLM-5.2 using reinforcement learning in simulated software engineering environments.
• Controversy: The model’s ability to find exploits improved significantly, sparking debate about releasing open-weights models with advanced cyber capabilities. Z.ai opted for a 2-week safety evaluation before releasing weights.
• Stealth Reveal: "Ox Alpha," a popular multimodal model on OpenRouter, was confirmed to be GLM-5.3 Flash.

2. The Race for Speed: Ultrafast Inference

• OpenAI & Cerebras: Previewed "Ultrafast," running GPT-5.6 Sol on Cerebras hardware.
  • Speed: Up to 750 tokens/sec (vs. 65 tps standard).
  • Latency: 5.6x faster end-to-end completion on realistic tasks.
• Competitors: Google released Gemini 3.7 Flash and Nvidia released Nemotron 3.5 Lightning, both focusing on high throughput and low latency for real-time agentic workflows.
• Why it Matters: Low latency enables real-time voice assistants, reduces developer context-switching fatigue, and allows agents to react to live data streams.

3. DeepSeek-V4-Pro Official Release

• Update: DeepSeek-V4-Pro-0813 is now the official version, showing significant gains in coding and agentic tasks over its April preview.
• Harness: DeepSeek released an open-source agent harness (plugin-based architecture) used for benchmarking, allowing developers to reproduce results.
• Pricing: API prices increased for all DeepSeek models, though they remain competitive against proprietary leaders.

4. Better Context Management: Self-GC

• Problem: AI agents often lose important details when compacting long context windows using simple rules (e.g., deleting oldest messages).
• Solution: Researchers at Xiaohongshu developed Self-GC, where an LLM planner decides what to keep, fold, mask, or prune from memory.
• Result: Retains necessary details ~91–94% of the time while reducing token usage by ~30%, outperforming rule-based methods.

---

💡 Takeaway

The industry is shifting from just measuring model accuracy to optimizing for speed, cost, and agentic reliability. Whether through faster hardware (Cerebras), better context management (Self-GC), or stronger foundational software skills, the focus is on building robust, production-ready AI applications.

title

title

ignore the post if you can do good stock picking and beat the market. More power to you.

Anyways,
Historically Gold has beaten KSE100 on 20,10,5 year window so if PSX is going to 450,000 then that means Gold can "potentially" outperform it as well ?

https://preview.redd.it/pctjzssykrlh1.png?width=1291&format=png&auto=webp&s=30f9e8a2c19c208df05a315be491db63f2c0c2c7

• Puncture repair is a hassle
• Road elevation demands a powerful motor
• Due to lack of customers than Lahore, EV bike infra/dealerships sucks in Islamabad comparatively.
• Tire are small so bad experience on bumps and speed breakers

I am thinking of buying Mode Mobility C320 as it seems the only practical option.

Which securities company should i select in asaan connect so that it makes my account automatically in NAFA app ?

If client pays for example 1000 USD to your Nsave USD account using SWIFT

How much fee deduction i can expect?

Because although nsave claims its zero fees on SWIFT but intermediary banks always charge a fee.

For context Wise deducts a flat 6.11 USD on incoming SWIFT payments

If client pays for example 1000 USD to your Nsave USD account using SWIFT

How much fee deduction i can expect?

Because although nsave claims its zero fees on SWIFT but intermediary banks always charge a fee.

For context Wise deducts a flat 6.11 USD on incoming SWIFT payments

Your average Pakistani citizen has nothing to do with PSX, mortgages, interest rates, etc.
They care about inflation and gold.
That's it.
That's their whole exposure to the financial world. They don't know and they don't care about anything more than those two words.

So, during the 2008 crisis, how did it impact your average Pakistani?
I am trying to understand what will happen here when the US markets collapse again.

I receive salary in Wise but payment through that comes as home remittance to Pakistan

So how to declare it as freelance income and pay tax 0.25% PSEB on it

?

Also how much home remittance is allowed legally per year without FBR bothering me

?